What is a Blended Credit Score? A blended credit score is one where the lender averages the credit scores for all borrowers on the loan.  In some cases, this will increase the credit score for the loan file, which may result in a loan approval and pricing that is more advantageous for the consumer. Blending or Averaging works for some home financing products, but not others.  Don’t let misunderstanding your credit stop you from owning a home.  Let’s Chat!